Life & Health Insurance
Having adequate health and life insurance policies in place are essential to protect yourself and your loved ones from the financial disasters that happen to many uninsured and under-insured Texas residents.
Texas Life Insurance
Life insurance is an optional insurance policy, but one that any person with dependents should consider a necessary part of their financial plan. Life insurance won't benefit you directly, but it does provide money that your loved ones will need when you pass on. Term life insurance is a low cost option that gives you coverage for a set length of time, while whole life insurance covers you for the remainder of your life. A general rule of thumb is that you should have at least ten times your yearly income in life insurance; if you earn $50,000 you should have a $500,000 policy.
Texas Health Insurance
Since the Affordable Care Act is now law, Texas residents need to have either an individual health insurance plan or a family health insurance plan to avoid expensive penalties. Not having any health care is a recipe for disaster as people without health insurance tend to avoid doctors and hospitals to avoid the steep bills that follow. By waiting too long for medical care, they often end up spending even more once their condition worsens. For those who are struggling with finances, financial assistance may be available.
To learn more about your options for health insurance and live insurance, contact one of our friendly team members. We're always on hand to answer your questions, assist you in finding the best policy for your current needs and can even help you if you need to file a claim. Don't wait any longer to have the peace of mind that you get from having insurance in place; call us today!